Personal Schedule of Fees

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1 Personal Schedule of Fees Effective May 6, 2016 bankofamerica.com Applies in all states. Bank of America, N.A. Member FDIC Bank of America Corporation B

2 Table of Contents Overview Overview...1 Personal Checking Accounts...2 Personal Savings Accounts...5 Personal CD/IRA Accounts...7 Other Account Fees and Services...9 Frequently Asked Questions About Accounts...15 Keep the Change Savings Service...16 Preferred Rewards...16 This schedule lists account fees and also explains how you can avoid some account fees. Please review the account description for details about your account. Other account fees that can apply to your account are listed in the account descriptions and in the Other Account Fees and Services section. Your account and deposit relationship with us are governed by this schedule of fees and the Deposit Agreement and Disclosures. Please read both agreements carefully. These agreements are part of the binding contract between you and us for your account and deposit relationship. You can also find these agreements at bankofamerica.com. When you open a deposit account, it is located at a financial center and generally remains at that location until it is closed. If your address is in a state where we do not have a financial center at the time, we may open the account at a financial center in Virginia. If state taxes apply to an account or service, taxes are in addition to the fee amount listed. We may change the accounts and services described in this schedule at any time. We may add new terms and conditions. We may delete or amend existing terms and conditions. We may also add new accounts or services and convert or discontinue existing accounts or services at any time. You can get information about interest rates and fees for services not covered in this schedule by visiting a financial center or calling us at the number on your statement. Optional Services Investment products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated and: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer, Member SIPC, and a wholly owned subsidiary of Bank of America Corporation. Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. Merrill Edge and Merrill Lynch are registered trademarks of Bank of America. The following optional services are generally available with our checking and savings accounts: ä sää$ebitäcardä0hotoä3ecurity äfeatureäavailable äorä!4-äcard ä sää/nlineä"ankingäservice ä sää/nlineäandä-obileä"illä0ayäservice ä sää%mailäandä4extä!lerts ä sää$irectädeposits ä sää+eepätheä#hange ä3avingsä3ervice ä sää!ffinityä"anking ä sää0referredä2ewards ä sää/verdraftä0rotectionä3erviceäfromäanotherälinkedäaccount ä sää!utomaticätransfersäfromächeckingätoäsavings These optional services can help you manage your account. To learn more about them, please review the agreement for that service. You can also review information on bankofamerica.com or speak to a financial center associate. Page 1

3 Personal Checking Accounts Account Monthly Maintenance Fee for Checking Account and How to Avoid It Other Important Account Information Bank of America Core Monthly maintenance fee for Bank of America Core Student waiver. When this account is owned either individually or jointly by a student, Checking Checking - $12.00 upon your request we waive the monthly maintenance fee for each statement cycle during which the student meets both of the following requirements: s Use direct deposit To avoid the monthly maintenance fee, meet one of the s Non-interest bearing account s The student is enrolled in a high school or a college, university or vocational program, following requirements during each statement cycle: and s Minimum to open - $25.00 s Have at least one qualifying direct deposit of $250 or s The student is under 23 years old. more made to your account each statement cycle. s Maintain an average daily balance of $1,500 or more in your account. s Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 checking accounts). College, university and vocation students may be required to show proof of enrollment. This student waiver does not apply when the student turns 23, ceases to be an owner of the account, or is no longer enrolled in school. For information about direct deposits, see page 15. To calculate the average daily balance for a statement cycle we take the balance that we determine is in the account for each day in the statement cycle, add those balances together, and then divide that sum by the number of days in the statement cycle. Regular Checking Monthly maintenance fee for Regular Checking - $14.00 Linking accounts. You must tell us what accounts you want us to link to your checking s Link other accounts to help account. You can do so by visiting a financial center or calling us at the number on your meet a required balance To avoid the monthly maintenance fee, meet one of the statement. We do not automatically link other accounts for pricing. Please review What does s Non-interest bearing account following requirements during each statement cycle: it mean to link accounts? on page 15. s Minimum to open - $ s Minimum daily balance in checking $1,500 or more s Minimum daily balance in linked Regular Savings $2,000 or more s Minimum daily balance in linked money market savings $5,000 or more s Average daily balance in checking with linked savings, CD and IRA accounts $5,000 or more s Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 checking accounts). Please also review Other Account Fees and Services on pages 9-14, Frequently Asked Questions About Accounts on page 15 and the Deposit Agreement and Disclosures. Page 2

4 Personal Checking Accounts (cont.) Account Monthly Maintenance Fee for Checking Account and How to Avoid It Other Important Account Information Bank of America Interest Monthly maintenance fee for Bank of America Interest You can also get the following services with this account: Checking Checking - $25.00 s Three additional Bank of America Interest Checking accounts and four savings accounts s Interest bearing account with no monthly maintenance fee when you link them to your primary Interest Checking account. s Variable, tiered interest rates s Free standard checks or discounts on certain styles. s Minimum to open - $ To avoid the monthly maintenance fee, maintain a combined balance of $10,000 or more during each statement cycle. For each statement cycle, we add the following balances together to determine your combined balance: s The average daily balance in your Interest Checking account and in each checking, savings and money market savings account that is linked to your Interest Checking account. We determine the average daily balance in a linked account by using the beginning balance in the linked account for each day of the Interest Checking statement cycle. And s The current balance, as of the end of your Interest Checking statement cycle, in each CD and IRA that is linked to your Interest Checking account. And s The current balance, as of two business days before the end of your Interest Checking statement cycle, in each eligible Merrill Edge and Merrill Lynch investment account that is linked to your Interest Checking account. s Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 checking accounts). s No transfer fee for Overdraft Protection transfers from your linked Bank of America savings, line of credit or secondary checking account. (Other line of credit fees may apply.) s No fee for incoming domestic wire transfers, cashier s checks, stop payments, and more. Additional accounts. For accounts linked to your Interest Checking account, we waive the monthly maintenance fee on the first three linked Interest Checking accounts and on the first four linked savings accounts of any type (regular and money market savings accounts). The minimum amount you need to open each additional account, and other terms and fees, apply to each linked account. While you can also have us link more accounts, this waiver of the monthly maintenance fee does not apply to them. Transaction limits apply to savings accounts. See What are the transaction limitations on my savings account? in the Frequently Asked Questions About Accounts section on page 16. Linking accounts. You must tell us what accounts you want us to link to your Interest Checking account. You can do so by visiting a financial center or calling us at the number on your statement. We do not automatically link other accounts for pricing. Certain restrictions apply. Please review What does it mean to link accounts? on page 15. Please also review Other Account Fees and Services on pages 9-14, Frequently Asked Questions About Accounts on page 15 and the Deposit Agreement and Disclosures. Page 3

5 Personal Checking Accounts (cont.) Account Monthly Maintenance Fee for Checking Account and How to Avoid It Other Important Account Information Bank of America Monthly maintenance fee for Bank of America Advantage You can also get the following services with your Bank of America Advantage with Tiered Advantage with Tiered with Tiered Interest Checking - $25.00 Interest Checking account: Interest Checking s Second Advantage with Tiered Interest Checking account and up to 4 savings accounts To avoid the monthly maintenance fee, meet one of the s An account with premium with no monthly maintenance fee. following requirements during each statement cycle: services for customers who s Free checks or discount on certain styles. want to expand their total s Average daily balance in checking or a linked Regular s No transfer fee for Overdraft Protection transfers from your linked Bank of America relationship status Savings account $5,000 or more savings, line of credit or secondary checking account. (Other line of credit fees may s Interest bearing account apply.) s Variable interest rate s Average daily combined balance in checking with linked s No fee for stop payments, cashier s checks, bond redemptions, incoming domestic wire savings, money market savings, CD and s Minimum to open - $ transfers and more. IRA accounts $10,000 or more Additional accounts. You can get a total of 4 savings accounts (both regular and money market savings accounts) with no monthly maintenance fee when you have us link them s Outstanding balance on a linked installment loan or line to your Advantage with Tiered Interest Checking account. The minimum amount you need of credit $15,000 or more to open each savings account, and other terms and fees, still apply to the linked savings accounts. For transaction limits, see What are the transaction limitations on my savings s A linked Bank of America first mortgage loan that we account? in the Frequently Asked Questions About Accounts on page 16. service any amount Linking accounts. You must tell us what accounts you want us to link to your checking account. You can do so by visiting a financial center or calling us at the number on your s Total combined assets in your eligible Merrill Edge and statement. We do not automatically link other accounts for pricing. Please review What does Merrill Lynch investment accounts that are linked to your it mean to link accounts? on page 15. checking account $15,000 or more s Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 checking accounts). Please also review Other Account Fees and Services on pages 9-14, Frequently Asked Questions About Accounts on page 15 and the Deposit Agreement and Disclosures. Page 4

6 Personal Savings Accounts Account Monthly Maintenance Fee for Savings Account and How to Avoid It Other Important Account Information Regular Savings Monthly maintenance fee - $5.00 s Each monthly statement cycle, you can make a total of six withdrawals and transfers with s Basic account to build a savings no Withdrawal Limit Fee. program To avoid the monthly maintenance fee, meet one of s If you maintain a minimum daily balance of $2,500 or more in your Regular Savings the following requirements during each statement s Interest bearing account account, you may make additional withdrawals and transfers with no Withdrawal Limit Fee. cycle: Otherwise, the Withdrawal Limit Fee is $10.00 for each withdrawal and transfer during the s Variable interest rate s Maintain a minimum daily balance of $300 or monthly statement cycle above the six. We charge no more than six Withdrawal Limit Fees s Minimum amount more in your account. per monthly statement cycle. This fee applies to all types of withdrawals and transfers, to open - $25.00 including at ATMs, at financial centers, by telephone, by mail, through Online and Mobile s Link your account to your Bank of America Interest Banking, and by any other electronic means. Checking or Advantage account (first 4 savings accounts). s Limits apply to some types of withdrawals and transfers from a savings account. See What are the transaction limitations on my savings account? in the Frequently Asked Questions About Accounts section below. s Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 savings accounts). To avoid the monthly maintenance fee you may also make combined monthly automatic transfers of $25 or more from your Bank of America checking account to your savings account during the immediately preceding statement cycle. Minor Savings Accounts No monthly maintenance fee s After you turn 18, we automatically convert your Minor Savings to a Regular Savings (Under 18) account. s Under 18 years old, beginning a s Parents can make automatic transfers from checking. savings program s Each monthly statement cycle, you can make a total of six withdrawals and transfers with s Interest bearing account no Withdrawal Limit Fee. s Variable interest rate s If you maintain a minimum daily balance of $300 or more in your Minor Savings account, you may make additional withdrawals and transfers with no Withdrawal Limit Fee. Otherwise, the Withdrawal Limit Fee is $1.00 for each withdrawal and transfer during the monthly statement cycle above the six. We charge no more than six Withdrawal Limit Fees s Minimum amount to open - $25.00 (Use Regular Savings or Rewards Money Market Savings for custodial ownership, such as UTMA/UGMA) per monthly statement cycle. This fee applies to all types of withdrawals and transfers, including at ATMs, at financial centers, by telephone, by mail, through Online and Mobile Banking, and by any other electronic means. s Limits apply to some types of withdrawals and transfers from a savings account. See What are the transaction limitations on my savings account? in the Frequently Asked Questions About Accounts section below. Please also review Other Account Fees and Services on pages 9-14, Frequently Asked Questions About Accounts on page 15 and the Deposit Agreement and Disclosures. Page 5

7 Personal Savings Accounts (cont.) Account Monthly Maintenance Fee for Savings Account and How to Avoid It Other Important Account Information Rewards Money Market Monthly maintenance fee - $12.00 s This account is eligible for the interest rate booster feature of the Preferred Rewards Savings program, which may increase your interest rate based on your Preferred Rewards tier. To avoid the monthly maintenance fee, meet one of s Variable interest rate the following requirements during each statement s Each monthly statement cycle, you can make a total of six withdrawals and transfers with s Potential for Preferred Rewards cycle: no Withdrawal Limit Fee. interest rate booster feature s Maintain a minimum daily balance of $2,500 or s Minimum amount s If you maintain a minimum daily balance of $2,500 or more in your Rewards Money more in your account. to open - $25.00 Market Savings account, you may make additional withdrawals and transfers with no Withdrawal Limit Fee. Otherwise, the Withdrawal Limit Fee is $10.00 for each withdrawal s Link your account to your Bank of America Interest Checking or Advantage account (first 4 savings accounts). s Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 savings accounts). and transfer during the monthly statement cycle above the six. We charge no more than six Withdrawal Limit Fees per monthly statement cycle. This fee applies to all types of withdrawals and transfers, including at ATMs, at financial centers, by telephone, by mail, through Online and Mobile Banking, and by any other electronic means. s Limits apply to some types of withdrawals and transfers from a savings account. See What are the transaction limitations on my savings account? in the Frequently Asked Questions About Accounts section below. Please also review Other Account Fees and Services on pages 9-14, Frequently Asked Questions About Accounts on page 15 and the Deposit Agreement and Disclosures. Page 6

8 Personal CD/IRA Accounts Account Minimum Amount You Need to Open Account Account Features / Services Other Important Account Information Fixed Term CD Terms of 7 Days 27 Days $15,000 s Interest rate fixed until maturity. s No additional deposits until maturity. s Automatically renews. s A penalty is imposed for early withdrawal. Fixed Term CD Terms of 28 Days 10 Years $1,000 s Interest rate fixed until maturity. s No additional deposits until maturity. s Automatically renews. s A penalty is imposed for early withdrawal. s For CDs with terms of 30 days or more, we send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your CD by giving you notice. If we make a change, we tell you about the change in the maturity notice. Featured CD/IRA See deposit rate sheet for minimum opening amount s Interest rate fixed until maturity. s No additional deposits until maturity. s Automatically renews. s See deposit rate sheet for available terms. s A penalty is imposed for early withdrawal. s For CDs with terms of 30 days or more, we send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your CD by giving you notice. If we make a change, we tell you about the change in the maturity notice. Risk Free CD /IRA Risk Free CD: $5,000; IRA: $2,000 s Interest rate fixed until maturity. s No additional deposits until maturity. s Automatically renews. s See deposit rate sheet for available terms. s Early withdrawal: We waive the early withdrawal penalty after the first 6 days of the account term (or the first 6 days following any partial withdrawal). s We send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your CD by giving you notice. If we make a change, we tell you about the change in the maturity notice. Fixed Term IRA/CESA Terms of 6 Months 10 Years Fixed Term IRA: $1,000; CESA: $500 s Interest rate fixed until maturity. s No additional deposits until maturity. s Automatically renews. s A penalty is imposed for early withdrawal. s We send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your CD by giving you notice. If we make a change, we tell you about the change in the maturity notice. Please also review Other Account Fees and Services on pages 9-14 and the Deposit Agreement and Disclosures. The Deposit Agreement and Disclosures contains information about the early withdrawal penalty and other terms for CDs. Also, see the Traditional/Roth Individual Retirement Custodial Accounts and Disclosure Statements and Coverdell Education Savings Custodial Account and Disclosure Statement for additional IRA and CESA account information. Page 7

9 Personal CD/IRA Accounts (cont.) Account Minimum Amount You Need to Open Account Account Features / Services Other Important Account Information Variable Rate IRA/CESA Terms of 18 Months 23 Months $100 s Variable interest rate. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate and annual percentage yield on your account at any time. s Additional deposits allowed during term. s Automatically renews. s Make saving easier with automatic transfers. s A penalty is imposed for early withdrawal. s We send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your CD by giving you notice. If we make a change, we tell you about the change in the maturity notice. Money Market IRA/ CESA $100 s Variable interest rate. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate and annual percentage yield on your account at any time. s Additional deposits allowed at any time. s Make saving easier with automatic transfers. s This is a savings account. s Pre-authorized transfers and withdrawals are subject to certain limitations. See What are the transaction limitations on my savings account? on page 16. Withdrawals by check, draft or debit card are not allowed. Please also review Other Account Fees and Services on pages 9-14 and the Deposit Agreement and Disclosures. The Deposit Agreement and Disclosures contains information about the early withdrawal penalty and other terms for CDs. Also, see the Traditional/Roth Individual Retirement Custodial Accounts and Disclosure Statements and Coverdell Education Savings Custodial Account and Disclosure Statement for additional IRA and CESA account information. Page 8

10 Other Account Fees and Services Fee Category Fee Name/Description Fee Amount Other Important Information About This Fee ATM Card and Debit Card Fees Replacement ATM or Debit Card Fee Rush Replacement ATM or Debit Card Fee Non-Bank of America Teller Withdrawal Fee International Transaction Fee $5.00 per card s Fee for each requested replacement of a card or other debit access device. s The replacement fee does not apply when we replace a card upon its expiration. s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and Preferred Rewards customers qualify for a waiver of this fee. $15.00 per card s Fee for each requested rush delivery of a card or other debit access device. s The Replacement ATM or Debit Card Fee may also apply and would be in addition to the rush delivery fee. s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and Preferred Rewards customers qualify for a waiver of this fee. For each transaction, the greater of $5.00 OR 3% of the dollar amount of the transaction, up to a maximum of $ % of the U.S. dollar amount of the transaction s Fee applies when you authorize another financial institution to use your card or card number to conduct a transaction (such as a withdrawal, transfer, or payment) and the other financial institution processes the transaction as a cash disbursement. s Fee applies if you use your card to purchase goods or services in a foreign currency or in U.S. dollars with a foreign merchant (a Foreign Transaction ). Foreign Transactions include internet transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. s Fee also applies if you use your card to obtain foreign currency from an ATM. Visa or MasterCard converts the transaction into a U.S. dollar amount, and the International Transaction Fee applies to that converted U.S. dollar amount. ATM fees may also apply to ATM transactions. See ATM Fees section below. s See disclosure information that accompanied your card for more information about this fee. Please also review the Deposit Agreement and Disclosures. Page 9

11 Other Account Fees and Services (cont.) Fee Category Fee Name/Description Fee Amount Other Important Information About This Fee ATM Fees Withdrawals, deposits, transfers, No ATM fee s Deposits and payments may not be available at some ATMs. Transaction fees may apply to payments and balance inquiries some accounts. See account descriptions in this schedule. Bank of America at a Bank of America ATM ATM an ATM that prominently displays Non-Bank of America ATM Fee $2.50 each s When you use a non-bank of America ATM, you may also be charged a fee by the ATM the Bank of America for: operator or any network used and you may be charged a fee for a balance inquiry even if name and logo on Withdrawals, transfers and you do not complete a funds transfer. the ATM balance inquiries at a s The non-bank of America ATM fees do not apply at some ATMs located outside the United non-bank of America ATM in States. Call us before you travel internationally for current information about banks Non-Bank of America the U.S. participating in the program. ATM an ATM s See the disclosure information that accompanied your card for other fees that may apply. that does not Non-Bank of America ATM Fee $5.00 each s Non-Bank of America ATM fees are in addition to other account fees that may apply to the prominently display for: transaction, such as a Withdrawal Limit Fee for savings. the Bank of America Withdrawals, transfers and s Preferred Rewards Platinum customers using a Bank of America Debit or ATM card are not name and logo on balance inquiries at a charged the non-bank of America ATM fee for one withdrawal, transfer and balance inquiry the ATM non-bank of America ATM in a per statement cycle from a non-bank of America ATM in the U.S., and receive a refund of foreign country the ATM operator fee for one withdrawal, transfer and balance inquiry per statement cycle from a non-bank of America ATM in the U.S. s Preferred Rewards Platinum Honors customers using a Bank of America Debit or ATM card are not charged the non-bank of America ATM fee for withdrawals, transfers and balance inquiries from non-bank of America ATMs in the U.S., and receive a refund of the ATM operator fee for withdrawals, transfers and balance inquiries from non-bank of America ATMs in the U.S. Check Image Service Check Image Service Fee $3.00 each statement cycle s Fee to return images of your cancelled checks with your statement. Applies to each statement cycle during which we return one or more images of your checks. s Our Online Banking service allows you to view and print copies of checks that posted to your account within the last 12 months. s Platinum Privileges and Preferred Rewards customers qualify for a waiver of this fee. Please also review the Deposit Agreement and Disclosures. Page 10

12 Other Account Fees and Services (cont.) Fee Category Fee Name/Description Fee Amount Other Important Information About This Fee Copies Check Copy Fee No fee for the first two copies s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and of each request. After two Preferred Rewards customers qualify for a waiver of this fee. copies, there is a $3.00 fee for s This fee does not apply to accounts opened in Massachusetts and New Hampshire. each copy up to a maximum s You can avoid the fee by viewing and printing your available checks in Online Banking, of $75.00 per request. instead of ordering the copy from us. For information about what checks are available in Online Banking, please review the Activity tab. IRA Deposit Slips and other Credit Items No fee for the first two copies of each request. After two copies, there is a $3.00 fee for each copy up to a maximum of $75.00 per request. s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and Preferred Rewards customers qualify for a waiver of this fee. s This fee does not apply to accounts opened in Massachusetts and New Hampshire. s You can avoid the fee by viewing and printing your available Deposit Slips and other Credit Items, instead of ordering the copy from us. For information about what Deposit Slips and other Credit Items are available in Online Banking, please review the Activity tab. Statement Copy Fee $5.00 per copy s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and Preferred Rewards customers qualify for a waiver of this fee. s You can avoid the fee by viewing and printing your available statements in Online Banking, instead of ordering the copy from us. For information about what statements are available in Online Banking, please review the Statements and Documents tab. s This fee does not apply to your monthly statement delivery. It only applies when you request copies of your statements. IRA and Coverdell ESA Direct Custodian Transfer Processing Fee $50.00 each plan, each occurrence s Fee for transferring funds to another institution. Please also review the Deposit Agreement and Disclosures. Page 11

13 Other Account Fees and Services (cont.) Fee Category Fee Name/Description Fee Amount Other Important Information About This Fee Overdraft Protection Service This optional service can help you avoid declined transactions as well as overdraft and NSF: returned item fees. To apply for this service, please call the number on your account statement or talk to your local financial center associate. Overdraft Protection Transfer Fee - transfer from a linked Bank of America savings or secondary checking account Overdraft Protection Transfer Fee - transfer from a linked Bank of America line of credit Overdraft Protection Transfer Fee - transfer from a linked Bank of America credit card $12.00 each transfer s Overdraft Protection transfers are made for the amount required to cover the overdraft and the applicable transfer fee. If your savings or secondary checking account does not have enough available funds to cover the necessary amount, we may decline to make the transfer. s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and Preferred Rewards customers qualify for a waiver of this fee. $12.00 each transfer s Overdraft Protection transfers are advances under the terms of the line of credit agreement and are made in increments of $100. Advances are subject to interest charges or finance charges, as provided in the line of credit agreement. Please see the line of credit agreement. s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and Preferred Rewards customers qualify for a waiver of this fee. See credit card agreement s Overdraft Protection transfers are considered cash advances and may be subject to additional Overdraft Protection cash advance fees. See your credit card agreement for applicable rates and fees. Please also review the Deposit Agreement and Disclosures. Page 12

14 Other Account Fees and Services (cont.) Fee Category Fee Name/Description Fee Amount Other Important Information About This Fee Overdraft Items (an overdraft item) NSF: Returned Items (a returned item) Overdraft Item Fee NSF: Returned Item Fee $35.00 each item s When we determine that you do not have enough available funds in your account to cover an item, then we either authorize and pay the item and overdraw your account (an overdraft item), or we decline or return the item unpaid (an NSF: returned item). s Some common examples of items are a check or other transaction made using your checking account number, an everyday non-recurring debit card transaction, a recurring debit card transaction, an ATM withdrawal, an ACH transaction, and an Online or automatic bill payment. Please see the Deposit Agreement and Disclosures for more information about items, overdrafts, declined or returned items and for information about how we process and post items. s We do not charge you an Overdraft Item fee on an everyday non-recurring debit card transaction. We also do not charge you an Overdraft Item fee on a ATM transaction unless you agreed to our overdraft practices for that particular ATM transaction. We do charge you an Overdraft Item fee each time we authorize and pay any other type of overdraft transaction. These other types of transactions include checks and other transactions made using your checking account number, recurring debit card transactions, Online and $35.00 each item automatic bill payments, and ACH transactions. s We do not charge you an NSF: Returned Item fee when we decline an ATM transaction or debit card transaction. We do charge you an NSF: Returned Item fee each time we decline or return any other type of transaction unpaid. These other types of transactions include checks and other transactions made using your checking account number, Online and automatic bill payments, and ACH transactions. s We charge you Overdraft Item fees and NSF: Returned Item fees for no more than 4 items each day. s For information about our Overdraft Protection plans and overdraft practices and overdraft settings, please see our Deposit Agreement and Disclosures and our What You Need to Know about Overdrafts and Overdraft Fees notice. Overdrafts Extended Overdrawn Balance $ charged when we s The Extended Overdrawn Balance Charge applies when we determine that your account Extended Charge determine your account is has been overdrawn for 5 or more consecutive business days. You can avoid this fee by Overdrawn overdrawn for 5 or more depositing enough available funds in your account to cover your overdraft plus any fees we Balance consecutive business days assessed within the first 5 consecutive business days that your account is overdrawn. s For each time that your account is overdrawn 5 or more consecutive business days, we charge one Extended Overdrawn Balance Charge. We charge the fee after the 5th consecutive business day. The Extended Overdrawn Balance Charge is in addition to applicable Overdraft Item Fees and NSF: Returned Item Fees. s If an everyday non-recurring debit card transaction or an ATM transaction, for which you did not agree to our overdraft practices, is the transaction that causes your account to become overdrawn, we do not start the 5-business day period. We do start the 5-business day period if another type of transaction either causes or increases the overdraft on your account. Please also review the Deposit Agreement and Disclosures. Page 13

15 Other Account Fees and Services (cont.) Fee Category Fee Name/Description Fee Amount Other Important Information About This Fee Miscellaneous Check and Deposit Ticket ders Fee varies s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and Preferred Rewards customers receive free standard checks or discounts on certain designs. s We may change the fees for check and deposit ticket orders at any time. Visit a financial center or call us at the number on your statement for current fees. Deposited Item Returned or Cashed Item Returned Fee (Returned Item Chargeback Fee) $12.00 each domestic item $15.00 each foreign item s We charge this fee each time a check or other item that we either cashed for you or accepted for deposit to your account is returned to us unpaid. Legal Process Fee $ each occurrence (or such other rate as may be set by law) s Fee applies to each legal order or process that directs us to freeze, attach or withhold funds or other property, such as an attachment, levy or garnishment. Stop Payment Fee $30.00 each request s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and Preferred Rewards customers qualify for a waiver of this fee. s There is no charge to place a stop payment on a recurring debit card transaction. Wire Transfers and Drafts, Incoming or Outgoing (U.S. or International) Fee varies s Bank of America Interest Checking and Advantage accounts plus Platinum Privileges and Preferred Rewards customers qualify for a waiver of our standard wire fee for an incoming domestic wire transfer. The standard wire fee for incoming international wire transfers is waived for Platinum Privileges and Preferred Rewards (Platinum and Platinum Honors tiers only) customers. s We may change the fees for wire transfers and drafts at any time. Visit a financial center or call us at the number on your statement for current fees. s For an international wire transfer, other financial institutions involved in the wire transfer may also charge fees and deduct their fees from the amount of the wire transfer. Please also review the Deposit Agreement and Disclosures. Page 14

16 Frequently Asked Questions About Accounts This section covers some of the features and services that may apply to your account. What other agreements have terms that apply to my deposit account? In addition to the terms in this Schedule of Fees, the terms in the Deposit Agreement and Disclosures, the signature card for your account and the other account opening documents govern your account and are part of the binding contract between you and us for your account. Please read these documents carefully. What are paperless statements? With the paperless statement option, you get your account statement electronically through Online Banking and you do not get a paper statement. You can enroll in paperless statements at a financial center or through Online Banking. When you enroll at a financial center, you ll need to log into Online Banking from your computer to confirm your choice. What is a direct deposit? A direct deposit is an electronic deposit of funds to a checking or savings account. For Bank of America Core Checking accounts, qualifying direct deposits are deposits of regular monthly income such as your salary, pension, Social Security benefits which are made through the automated clearinghouse (ACH) by your employer or other payer. Other types of transfers and deposits do not qualify for the waiver of the monthly maintenance fee. Examples of non-qualifying transfers and deposits include: teller deposits, wire transfers, non-periodic direct deposits (such as tax refunds or payments for the sale of goods or services), Online Banking transfers, telephone transfers, and ATM transfers and deposits. What does variable rate mean? Funds in an interest bearing checking or savings account earn a variable interest rate. This means that your interest rate and annual percentage yield may change after the account is opened. At our discretion, we may change your interest rate and annual percentage yield at any time. What does it mean to link accounts? You can link some of your other accounts with us either to your Bank of America Interest Checking, Regular Checking or to your Advantage checking account for pricing. When you link another account for pricing, you can use the balances in the other account to help you meet the balance required to avoid the monthly maintenance fee on your checking account. You must tell us what other accounts you want us to link to your checking account. An account can only be linked for pricing to one checking account at a time. We do not link your other accounts for pricing unless you tell us to do so. You may not link a SafeBalance Banking account to any other account for pricing. Please see the checking account descriptions in this schedule of fees for information about what accounts can be linked and applicable balance requirements. Some restrictions apply to what accounts can be linked. See below and the Combined Balance Service section in the Deposit Agreement and Disclosures for information. When a new account is opened to replace an existing account, we do not automatically link the new account to your checking account for pricing, even if the existing account was linked. You must tell us to link the new account. As examples, when you refinance your mortgage loan, the refinanced loan is a new account. Whenever we change the account number of your checking account, we close the current checking account and open a new checking account. In both examples, the replacement account is a new account and, if you want us to link it to your checking account for pricing, you need to tell us to link the new account. For linked accounts, we may send you a monthly statement that reports account information for all of your linked accounts instead of separate statements for each account. What Bank of America first mortgage loans can qualify for a waiver of the monthly maintenance fee on a Bank of America Advantage account? We currently service many mortgage loans we make. If we service your Bank of America first mortgage loan, you can have us link the loan to your Bank of America Advantage checking account. Sometimes we sell mortgage loan servicing to other companies. If we sell the servicing on your mortgage loan, then the loan is no longer eligible to be used for this waiver. What limits apply to linking accounts? Some restrictions apply to what accounts can be linked to a checking account, including the following. You can generally link savings, money market savings, Individual Retirement Account (IRA) and CD, and some checking and Merrill Edge or Merrill Lynch investment accounts to your checking account. You may only link an account to one checking account at a time. To link additional accounts to a checking account, at least one of the owners of the linked additional account must also be an owner of the checking account. You may not link personal and business accounts together. You may link a SafeBalance Banking account to another SafeBalance Banking account for some purposes, but not to any other account for pricing. We may in our discretion place other restrictions on what accounts can be linked. Are the statement cycles for linked accounts the same? When you link accounts for pricing, the statement cycles are generally different. If you use a combined statement for your checking and savings accounts, the statement cycles for the linked checking and savings accounts are generally the same. What are combined statements? A combined statement is one statement that reports activity for your checking account and each deposit account linked to that account, instead of separate statements for each account. In most cases we do not automatically send you a combined statement. You must generally request a combined statement and tell us to link the accounts you want included in the combined statement. When linked accounts are reported on the combined statement, you understand and agree that each owner of any linked account can review information about all other linked accounts. You should not link accounts that you do not want others to see. Please read the information about Combined Statements in the Deposit Agreement and Disclosures. (continued) Page 15

17 What is the transaction date for the savings Withdrawal Limit Fee? To determine whether a Withdrawal Limit Fee applies to a withdrawal from your savings account, we count the withdrawal on the date we post it to your account. If you are counting the number of withdrawals you make each monthly statement cycle, please note that the date we count the withdrawal may be different than the date you authorize or make the withdrawal. This means that we may not count the withdrawal until a later statement cycle. What are the transaction limitations on my savings account? There is no limit on the number of deposits you may make to your account. You can also make any number of withdrawals and transfers to your account through the financial center, by mail or at an ATM or ATM with Teller Assist (ATA). However, federal regulations (applied to all U.S. Banks) and the Deposit Agreement and Disclosures limit the number of certain types of withdrawals and transfers from a savings account to a total of six each monthly statement cycle (each month for savings accounts with a quarterly statement). This transaction limit applies to the following types of withdrawals or transfers: automatic or pre-authorized transfers, telephone transfers, Online and Mobile Banking transfers or payments, or, if checks or debit cards are allowed on the account, check, draft and point of sale transactions. If you exceed these limits on more than an occasional basis, we may convert your account to another type of account, like a checking account, and your account may no longer earn interest. Please note that for savings accounts, we charge a Withdrawal Limit Fee for each withdrawal and transfer of any type in excess of six if the applicable balance requirement is not met. See the information about this fee in the savings account section on pages 5 and 6. Keep the Change Savings Service When you enroll in our Keep the Change savings service, we round up the amount of any Bank of America debit card purchase made by you or a joint owner of your checking account to the next whole dollar amount, and transfer the amount in excess of the purchase price to your savings account. 1 We aggregate the round-up from purchases that post to your checking account each business day and make a single transfer (the Keep the Change transfer) at the end of the business day. If on a business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, we do not round-up purchases posted on that business day and we cancel the Keep the Change transfer for that day. If your debit card purchase is subsequently cancelled or reversed, the corresponding Keep the Change transfer will remain in the savings account. 1 We may cancel or modify the Keep the Change service at any time. 1If your savings account enrolled in Keep the Change is converted to a checking account, Keep the Change transfers will continue to be made into that account. Should you have any questions on the Keep the Change program, please contact your nearest financial center. Keep the Change Patent No. US 8,301,530B2. Preferred Rewards You are eligible for the Preferred Rewards program when you (i) have an active, eligible personal checking account with Bank of America, and (ii) maintain the balance required for one of the balance tiers in any combination of eligible deposit accounts with Bank of America and/or eligible investment balances with Merrill Edge or Merrill Lynch. Once you are eligible, you can enroll for program benefits. Enrollment is generally available within three or more business days of eligibility. The combined balance requirement is calculated based on your average daily balance maintained for a three calendar month period. Your benefits become effective within one month of your enrollment, unless we indicate otherwise. Some benefits are automatically activated upon the effective date of your enrollment and require no action on your part. Some benefits may require you to open a new account or take other action. Some benefits are available based on balances and other requirements without the need to enroll. Read carefully the terms of any offer to understand the action required. Different benefits are available at different balance tiers. The balance tiers are: Gold, for combined balances at and above $20,000; Platinum, for combined balances at and above $50,000; and Platinum Honors, for combined balances at or above $100,000. You will qualify for the next higher balance tier when your three-month average combined balances exceed the minimum amount for that balance tier. You will qualify for the benefits of the next higher balance tier starting in the month after the month in which you satisfy the combined balance requirement. We will perform an annual review of your qualifying balances in the month following the anniversary date of your initial enrollment in the program. The annual review will calculate your three-month average combined balance as of the end of your anniversary month and place you in the balance tier for which you meet the qualification requirements. If the result of the annual review would be to move you to a lower tier, you will have a threemonth period after your anniversary month in which to restore your qualifying balance before you are moved to that lower balance tier. If you are moved to a lower balance tier, your benefits may be changed to those of the balance tier for which you qualify without further notice. Please note that while you can be moved to a higher balance tier after any month in which you satisfy the combined balance requirement for that tier, you will only be moved to a lower balance tier as a result of the annual review. If as a result of the annual review you do not qualify for any balance tier, and you do not sufficiently restore your balances in the three months after your anniversary month, your qualification will discontinue. Your benefits may then be discontinued immediately without further notice. Your qualification will discontinue if you no longer maintain an eligible, active personal checking account with Bank of America. You will have 60 days to open a qualifying account before your enrollment is discontinued. You or we may terminate your enrollment at any time. Only personal accounts that you own count toward your balance requirements and receive benefits. Accounts on which you are a signer but not an owner, or accounts included in your periodic statement on which you are not an owner, are not eligible. SafeBalance (continued) Page 16

18 Banking accounts do not count towards the checking account requirement or balance requirements for Preferred Rewards, and SafeBalance Banking accounts do not receive the fee waivers and other benefits of the Preferred Rewards program.enrolling in Preferred Rewards will discontinue your participation in the Platinum Privileges or Banking Privileges for Wealth Management programs. In some cases, Preferred Rewards benefits differ from Platinum Privileges and Banking Privileges for Wealth Management benefits, so be sure you understand the effect on your benefits before enrolling. We may change or terminate program benefits at any time, without prior notice. Employee benefit plans (such as 401(k) plans) and certain 529 Plans will not count toward the combined balance requirement. For details on Employee qualification requirements, please visit the Employee Banking & Investments website. Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. Credit Card Rewards Bonus for Preferred Rewards Primary cardholders or co-applicants (not authorized users) of eligible Bank of America rewards credit cards ( Card(s) ) who have enrolled in the Preferred Rewards Program ( Program ) will receive bonus cash rewards or bonus points ( Preferred Rewards Bonus ) as a result of their participation in the Program. Preferred Rewards Bonus levels are: 25% for the Gold tier; 50% for the Platinum tier; and 75% for the Platinum Honors tier. Some types of credit cards are not eligible for the Preferred Rewards Bonus. Review the Card Eligibility Guidelines (in the Credit Card Rewards Bonus section) at bankofamerica.com/preferred-rewards for a complete list of ineligible cards. Any other bonus rewards including, but not limited to, account-opening bonus rewards and merchant-based bonus rewards such as those for drug store or travel purchases (collectively, Other Bonus Rewards ) will not receive the Preferred Rewards Bonus but these Other Bonus Rewards will still be added to your total rewards earned. Any returns, credits, or adjustments on an eligible Card may result in both base rewards and the Preferred Rewards Bonus (depending on your tier when the return occurs) being deducted from your rewards balance. Additional Information: Credit Card Rewards are maintained and redeemed according to individual card program rules. Refer to your Card s program rules for additional details. Your Card account must be open and in good standing to earn and redeem rewards. After enrolling in the Program, or if you are already enrolled and open a new Card, it may take up to 45 days for the Preferred Rewards Bonus to become active on your Cards. If you move to a higher (or lower) reward tier, it may take up to five days for the higher (or lower) Preferred Rewards Bonus to become active on your existing Cards. For enrolled clients who change their card type, as long as the new Card is an eligible credit card, it may take up to five days for the Preferred Rewards Bonus to become active on the new Card. If more than one cardholder on a Card account (primary and co-applicant) is enrolled in the Program, the account will receive the Preferred Rewards Bonus level based on the cardholder with the higher tier. If a co-applicant with a higher tier is added to a Card account, it may take up to 45 days for the higher Preferred Rewards Bonus to become active on that Card. How it works: For those Cards that are eligible, customers can receive their Preferred Rewards Bonus in one of two ways based on their Program tier and the type of Card: 1) BankAmericard Cash Rewards Cards. For BankAmericard Cash Rewards Cards which offer a 10% customer bonus for redeeming cash rewards into a Bank of America checking or savings account or an eligible Merrill Lynch Cash Management Account (collectively, Eligible Accounts ) the Preferred Rewards Bonus will be applied when you redeem into an Eligible Account. For example, if you redeem $100 of cash rewards into an Eligible Account, the Preferred Rewards Bonus (based on the levels described above at the time you redeem) will add $25, $50 or $75 to this redemption amount, totaling $125, $150 or $175. The Preferred Rewards Bonus will replace the 10% customer bonus. Cash rewards redemptions for a statement credit or check will not receive the Preferred Rewards Bonus (or the 10% customer bonus). 2) All Other Eligible Credit Cards. For all other Cards that are eligible to receive the Preferred Rewards Bonus (such as BankAmericard Travel Rewards and BankAmericard Rewards cards), the Preferred Rewards Bonus will be added to the base rewards you earn with each purchase. For example, if you earn 100 base rewards, the Preferred Rewards Bonus (based on your tier when the purchase posts to your account) will add 25, 50, or 75 bonus rewards, totaling 125, 150, or 175 rewards. For BankAmericard Travel Rewards Cards, the Preferred Rewards Bonus will replace the 10% customer points bonus. Notice for Maine Deposit Account Customers: If you have a dispute with us regarding your deposit account, you may contact us and attempt to resolve the problem directly. If you feel we failed to resolve the problem, communicate the problem and the resolution you are seeking to: Bureau of Financial Institutions 36 State House Station Augusta, ME To file a complaint electronically, you may contact the Bureau of Financial Institutions at the following internet address: The Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation. When your complaint involves a federally-chartered financial institution, such as Bank of America, the Bureau of Financial Institutions will refer it to the appropriate federal supervisory agency and inform you to whom it has been referred. Page 17

19 Personal Schedule of Fees for SafeBalance Banking Effective May 6, 2016 The SafeBalance Banking account is a personal deposit account. bankofamerica.com Applies in all states. Bank of America, N.A. Member FDIC Bank of America Corporation B

20 Table of Contents Overview Overview...1 Information About SafeBalance Banking...2 Other Account Fees and Services...3 Other Important Account Information for SafeBalance Banking...5 Keep the Change Savings Service...6 The SafeBalance Banking account is an account you can use to make transactions and pay bills. Since it is not a traditional checking account you cannot write checks with this account. The SafeBalance Banking account is an account you can use to make deposits, withdrawals and pay bills. It is a checkless checking account, since you cannot write paper checks with this account. It is not a traditional checking account. You can make payments with your debit card, through our Online and Mobile Banking Bill Pay service, a wire transfer, or an Automated Clearing House transaction (ACH), and you can make withdrawals through an ATM or financial center. Do not order checks from third parties. If a check is presented for payment, it will not be paid even if you have enough money in your account to cover it. You may incur fees from the merchant or other party you were trying to pay when the check is returned. Your SafeBalance Banking account does not come with overdraft services, which means we do not authorize or pay a transaction unless we believe that you have enough available funds at the time of the transaction. Please see the Other Important Account Information section for more details about overdrafts. Additional terms and limitations of the SafeBalance Banking account are described in this schedule of fees. Please review the account description for details about your account and account fees. Other account fees that can apply to your account are listed in the Other Account Fees and Services section. When you open a deposit account, it is located at a financial center and generally remains at that location until it is closed. If your address is in a state where we do not have a financial center at the time, we may open the account at a financial center in Virginia. If state taxes apply to an account or service, taxes are in addition to the fee amount listed. We may change the account and services described in this schedule of fees at any time. We may add new terms and conditions. We may delete or amend existing terms and conditions. We may also add new services and convert or discontinue this account or any services at any time. You can get information about accounts, services and fees not covered in this schedule of fees by visiting a financial center or calling us at the number on your statement. Deposit Agreement and Disclosures Amended Your account and deposit relationship with us are governed by this schedule of fees and the Deposit Agreement and Disclosures. Note that since there are no check-writing privileges, references in the Deposit Agreement and Disclosures to the ability to write checks and associated rights and obligations do not apply to the SafeBalance Banking account. All other terms and conditions in the Deposit Agreement and Disclosures that apply to checking accounts apply to the SafeBalance Banking account except as otherwise amended in this schedule of fees. Please read both agreements carefully. These agreements are part of the binding contract between you and us for your account and deposit relationship. You can also find these agreements at bankofamerica.com. References to the Personal Schedule of Fees in the Deposit Agreement and Disclosures and in other documents include this schedule of fees. Other terms and conditions in this schedule of fees amend the Deposit Agreement and Disclosures, including information in the Other Important Account Information section. Page 1

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